Under contract-accepting backup offers. One or more photo(s) has been virtually staged. Live the Gulf Coast lifestyle in this DIRECT GULF ACCESS 4-bedroom, 3-bath Key West-style waterfront home with assumable primary flood insurance at just 810 per year plus homeowner's and wind primary insurance estimated at only 1,992 per year. With NO fixed bridges or locks, you'll be boating in the open Gulf within minutes, and the property includes a 2018 10k boat lift with composite dock and deck, fish cleaning station, shore power, and water for effortless days on the water. The spacious design offers soaring 17' vaulted ceilings, a wall of windows, and a 2017 remodeled kitchen with soft-close cabinets, granite counters, stainless appliances, and pantry, while the layout features 3 bedrooms and 2 baths upstairs plus a private 1 bedroom/1 bath guest quarters perfect for family, visitors, or rental income. Virtual Staging was done to give new owners an idea for Furniture & Decor placement. Investors will love that the neighborhood is short-term-rental friendly, while updates like a 2008 metal roof with 30+ years remaining according to 2024 4 Point Inspection, 2018 HVAC with 10-year warranty, 2019 electrical panel, 2021 water heater, and EV charger provide peace of mind. Outdoors, enjoy both open and covered entertaining spaces, lush tropical landscaping with banana, mango, avocado, pomegranate, and passion fruit, and unforgettable sunset gatherings. Just minutes from marinas, restaurants, tiki bars, coffee shops, the Weeki Wachee River, and the 16-Lake Preserve, this home combines lifestyle, value, and charm—every day feels like a vacation, so schedule your private tour today.